6 Reasons Why You Need Travel Insurance

Aug 24, 2023

Last Updated on: Nov 13, 2025

Travel Guides

Traveling could be among the most rewarding experiences one can have, whether it’s for leisure or business. The idea of discovering a new destination and wandering its streets is really exciting. However, before you embark on a fresh journey, have you ever thought of what might go wrong during your travel arrangements?

Imagine arriving at your destination only to discover that your luggage is nowhere to be found. Consider the scenario where your flight unexpectedly gets canceled. The solution to these uncertainties is travel insurance.

What Is A Travel Insurance? 

Suppose you missed your early flight to America or forgot your bags in China- who is going to take responsibility?  Have you ever thought about the priceless money you will lose without a stable backup? Here is when the need for travel insurance kicks in. 

Travel insurance refers to an insurance type that covers financial losses related to traveling. But it doesn’t end there. Insurance for traveling can also be helpful while getting protection for international or domestic travel. Other factors that might also affect travel are also covered under this, like injury, illness, accidents, etc. 

Many travelers either forget to opt for travel insurance or purposely avoid purchasing it. In both these cases, you will have to bear the consequences. Regardless of whether you are traveling abroad or within your own country, travel insurance is an essential safeguard that offers multiple advantages.

Why Do You Need This Insurance Right Away: 6 Key Reasons? 

Imagine going on a fun tour with your friends or your loved one, and something unfortunate happens. Nobody would ever want that, right? This is why here are the top 6 reasons why travel insurance is important when you embark on any journey.

Financial Security When Traveling Abroad

Financial Security When Traveling Abroad

Imagine a situation where you visit a foreign country for the first time and find your wallet or bags stolen. What could you do in this situation? This is where your travel insurance proves its worth.

In cases of unexpected emergencies, such as thefts, your travel insurance company becomes your support system, providing the necessary financial assistance to address the situation. If you’re uncertain about which service provider to choose from the many available, you can easily compare prices with Utility Saving Expert and find the cheapest and most appropriate cover for your travel needs.

It Covers Medical Emergencies

Every Travel Insurance policy includes coverage for medical treatment expenses up to a specified limit. These policies are inclusive and do not differentiate between various types of medical emergencies.

Whether it’s medical treatment or accident-related expenses, the insurance company will reimburse costs up to the predetermined limit. Moreover, insurance providers maintain a roster of network hospitals where you can receive the necessary treatment.

If You Lose Luggage And Personal Belongings

In case your luggage is lost or significantly delayed, whether due to your negligence or the airport authority, travel insurance offers you peace of mind. The policy will provide coverage for purchasing essential items temporarily while your baggage is located.

While your personal belongings may be irreplaceable, your travel experience will remain unaffected thanks to this coverage.

If the Trip Get Cancelled

Travel insurance additionally safeguards you in cases where you might need to cancel your trip for valid reasons, such as illness, injuries, national emergencies, or natural disasters. With travel insurance, you can be reassured that you won’t lose the entire sum you invested in the trip if it happens to get canceled.

When You Miss A Connecting Flight

When you encounter the unfortunate situation of missing a connecting flight, perhaps due to a delay in your first flight, travel insurance comes to your rescue. This coverage enables you to seek reimbursement for the expenses incurred as a result of the missed connecting flight.

The policy would allow you to file a claim for the expenses you’ve had to incur due to missing the connecting flight. This reimbursement can cover various aspects, including the cost of rebooking your missed flight, arranging new transportation, and even adjusting your accommodations if necessary.

Fraudulent Charges

Imagine yourself losing your credit/debit card during a trip, and suddenly, you start getting texts that someone is using your credit or debit card. Scary, right? You are not only losing your money, but you are losing in an unfamiliar place where assistance might be hard to come by.

However, with the safety net of travel insurance, you would not have to face this problem. Your insurance coverage will reimburse you for any monetary losses incurred due to stolen payment cards, even covering transactions up to 12 hours preceding your initial report of the incident.

What Is Meant By Comprehensive Travel Insurance? 

Another very popular type of insurance is comprehensive travel insurance which consists of various other coverage. They are generally grouped under a single plan. Very commonly, comprehensive insurance for travel consists of a 24-hour helpline for healthcare when some emergency arrives. Alternatively, you might be able to buy every coverage type separately. 

  • Interruption Coverage & Trip Cancellation

This particular insurance helps in reimbursing a traveler for all or some prepaid travel expenses. Under it come trip cancellations, travel delays, cancellations, and trip interruptions. 

  • Baggage Loss and Damage Coverage

A frequent travel problem is your personal belongings getting either lost, damaged, or stolen. It immediately sabotages your whole mood because you have to look for replacements. However, various travel insurance policies pay only for belongings after exhausting other claims. 

  • Rental Insurance

Thirdly, vacation rental insurance coverage includes accidental damage costs from a vacation rental property. Some of these plans might also provide trip interruption and cancellation that help in reimbursing travel costs, particularly when you cannot access your vacation rental. 

Conclusion

Whether you’re preparing for a vacation within your own country or embarking on an international journey, it’s crucial to consider obtaining travel insurance. This prudent step will help guarantee a vacation that is not only secure and trouble-free but also offers you peace of mind throughout your travels.

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Abdul Aziz Mondol is a professional blogger who is having a colossal interest in writing blogs and other jones of calligraphies. In terms of his professional commitments, he loves to share content related to business, finance, technology, and the gaming niche.

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READ MORE is cabo san lucas safe

Is Cabo San Lucas Safe? – Let’s Find Out!

BY  sagnika Jun 26, 2023

Are you considering making travel plans to visit Cabo San Lucas? The ultimate destination for adventurers can be dangerous because of the harsh weather and increasing crime rates. Want to know is cabo san lucas safe? Cabo San Lucas is 20 meters above sea level, while the geographical location is 22.88 degrees North and 109.90 degrees West. Thomas Ritchie founded the place in 1828. The climate of Cabo is a tropical thorn forest. However, there is a certain desert terrain spread. A critical icon can be found in the area, The Arch. In Spanish, "El Arco" is the natural stone arch that is well known worldwide and a symbol of Cabo San Lucas. Read the article to learn more about it. Also Read: How To Find The Best Ontario Cocaine Rehab Center? Is Cabo San Lucas Safe? Let's Find Out! Cabo San Lucas is situated in Mexico with picturesque beaches. It is a popular tourist destination rich in culture and boasting sumptuous local food. Almost 2.8 million travelers visit Cabo annually, and there are repeat visitors. The coastal life experience that Cabo San Lucas offers is quite beautiful at a meager price as compared to many other popular tourist destinations. The place is more alluring than other beach destinations, and the good annul the bad regarding tourism. The question arises Cabo San Lucas is safe because in recent times. The country of Mexico is going through a crisis of cartel warfare and drug-related violence. The U.S. government has issued a warning regarding the travel advisories in Mexico, and Cabo has been excluded. Cabo is a popular tourist spot and is considered safe for visitors. Yet some issues might put tourists at risk in recent times. Where Is Cabo San Lucas Situated? Cabo San Lucas is situated in the Baja California peninsula on the West Coast of Mexico at the southern tip. The overall positioning of the place is in the southeast of California, USA. Tourism In Cabo San Lucas The tropical weather in Cabo is perfect for visitors. The white sandy beaches and glistening blue waters create the perfect backdrop for tourists walking barefoot. Thousands of tourists frequent Cabo every month. There are certain things that you need to consider when you are traveling to Cabo, such as you should only buy bottled water, always staying in groups, and don't dress up too flashy. As a visitor, you must know that there are no lifeguards. Hence, you should always have local contacts who can help you. You must book with trusted sources for accommodations. How To Reach Cabo San Lucas? The time to reach Cabo San Lucas by flight from New York, Vancouver, Canada, and Chicago is 5 hours, while from Seattle and Atlanta, it takes 4 hours. Traveling from San Francisco to Cabo will take 3 hours, while from Dallas and Los Angeles, your flight will be two and a half hours long. Crime In Cabo Certain crimes are active in Cabo, and Interpol is working hard to prevent them. The Interior is performing criminal investigations and spearheading spontaneous crackdowns to stop crime. The concerns that are identified in Cabo are as follows: Drug Use and Sale Gang Activity Carjacking Scams Robbery Homicide Pickpocketing The total population of Cabo is 202,694, and most crimes are happening against the locals. The crimes are severe, so the authorities are taking a solid stand to curb the crime. The crime rate has increased to 80.29% in 2023. Thus, safety is a concern. The vibrant sceneries, nightlife, and natives are the attraction of Cabo, yet visitors might feel reluctant due to safety issues. Considering Cabo is right on the edge of the coastline, it is easy for drugs to pass from Mexico to other countries. It does contribute to more gang violence and drug-related crime in Cabo. 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Every day, twenty crimes are reported. Therefore, visitors must avoid congested areas. There is a high chance of losing your belongings because stealing is common. Conclusion Please read the article to learn the answer to is cabo san lucas safe and why you should be careful before you visit it. Comment below regarding your traveling preferences and whether you would like to visit Cabo someday. Read Also: How Safe Is Morocco For Travel? Is Spirit Airlines Safe? Get Your Answer Here! FAQ About Staying Safe With Holiday Royal Vacation Club

READ MORE beaches in washington

Top 10 Edition: The Best Beaches in Washington for Every Season

BY  Abdul Aziz Feb 19, 2024

There are many different beaches in Washington, including those on the Puget Sound, Pacific Ocean, peninsulas, lakes, and islands. Washington beaches feature grassy dunes, pebbles, rocks, or sand and offer activities like swimming, boating, wildlife observation, tidepool exploration, and gathering driftwood or seashells. Beachgoers may be kept on the shore by the chilly water, but sunsets on Washington's west coast provide the ideal cap for a day at the beach. The most prevalent type of beaches in Washington, Puget Sound, are gravel ones, though they can also be found along the coast (such as the Willapa Bay side of Tokeland). Small-stone beaches aren't great for volleyball, but they tend to attract more marine life because they offer hiding places from raptors. They're a favorite among crabs, and harbor seals graze on mixed gravel beaches. Beaches in Washington If you are looking for the best beaches in Washington, then we are listing some of your top options here. 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Madison Park Beach, Seattle Northeast of Seattle's downtown, this little park on Lake Washington's edge offers a small sandy beach, grassy area, parking, tennis courts, restrooms, and lifeguards in the summer. There are benches and a walking path nearby, and guests can go shopping or eat at neighborhood eateries. Alki Beach, Seattle Alki Beach is a 2.5-mile sandy beach located on Elliot Bay in West Seattle, along with a corresponding long pedestrian walkway. One of the eight lighthouses on Puget Sound is a replica of the Statue of Liberty, and it is open for tours. From Memorial Day weekend through Labor Day, beach fire pits are open. There are picnic tables, parking, as well as restrooms. Madrona Park, Seattle Madrona Park, which is on Lake Washington's western shore, has picnic spaces, a bathhouse, a swimming beach, and parking. Together with a grassy shoreline, hiking trails, and views of Mount Rainier, there's a jogging path alongside the lake. 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So, the exhibits at the Marine Science Center are open to visitors in the summer. There are campgrounds close by, and you can see the lighthouse from the outside. Long Beach, Long Beach Peninsula Long Beach calls itself the "World's Longest Beach." It stretches 28 miles along its shoreline and is in Washington's southwest. Hikers, bikers, as well as walkers can enjoy views of the surrounding landscape and art installations along the 8.5-mile Discovery Trail. A half-mile boardwalk leads down to a grassy dune. The broad, level sands of the peninsula taper off to the horizon in both directions. It is battered by Pacific waves that are nearly always too erratic and too chilly for swimming. It boasts the best boardwalk in the state. The 8.5-mile Discovery Bike Trail meanders among sand dunes, public art, and the restored whale bones. Long Beach's fine, soft sand is created by the addition of clay and silt from the Willapa Bay’s large mud flats. 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Half Moon Bay, Westport Light State Park, Westport The 560-acre day-use park has grassy dunes and beaches on Half Moon Bay and the Pacific Ocean, as well as picnic areas, restrooms, grills, a lighthouse, and a coastal forest. Moreover, Half Moon Bay and the Pacific Ocean have a 1.3-mile paved path dividing them. Activities nearby include fishing, surfing, as well as exploring the Westport Lighthouse. Moreover, on the beach, dogs are welcome, and camping is available close by. Griffiths-Priday Ocean State Park, Ocean Shores The mouths of the Copalis River and Connor Creek are where you'll find this state park on the Pacific Coast. Walking trails, a boardwalk, and grassy sand dunes all lead to the sandy beach, which is frequently empty. Seashells, migrating birds, and the neighboring Copalis National Wildlife Refuge are all attractions for nature enthusiasts. Many people come here to dig for shellfish, and dogs are welcome. There are picnic tables and restrooms. Luther Burbank Park, Mercer Island Nearly a mile of Lake Washington waterfront is available for swimming, boating, and fishing at this 77-acre park. There are walking trails, tennis courts, picnic areas, grills, a kids' playground, and restrooms (during summer). From October through April, dogs on leashes are welcome on the beach. Mercer Island also offers off-leash areas. You can check out Luther Burbank Park if you are looking for quieter beaches in Washington state. West Beach and Sunset Beach, Washington Park, Anacortes Located in Washington Park on the western tip of Fidalgo Island along the Swinomish Channel, there are two beaches- West Beach and Sunset Beach. There are picnic areas, restrooms, a playground, a boat launch, and beachside fire pit barbecues at Sunset Beach. It comprises 220 acres. West Beach has campsites, a small rocky area, tide pools, and breathtaking views. Lake Sammamish State Park, Issaquah This day-use park has a playground, walking trails through forests and wetlands, and two lakefront beaches. At Tibbets Beach, you can rent equipment for water sports, reserve an outdoor kitchen, and have a picnic area. This 530-acre park hosts annual events, including boat parades, concerts, and nature walks. Dogs on leashes are allowed in the park but not on areas designated as swimming beaches. If you are looking for beaches in Washington, Lake Sammamish is another option. Idylwood Beach Park, Redmond The Idylwood Beach Park is on the northwest coast of Lake Sammamish and has a lot to offer. It has a bathhouse, swimming beach, picnic tables, restrooms, a small boat ramp, a fishing pier, and picnic shelters. The park sprawls over 17 acres of land. It provides the only free recreational access to Lake Sammamish. This popular park also has playground equipment, volleyball courts, fishing, and barbecue pits. 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The Victorian-era farmhouse is one of the few businesses in a quiet residential waterfront community, and it looks out over the serene, kelp-filled coast of Willapa Bay. Seaview The Depot restaurant is a welcome diversion on a coast popular for bins of saltwater taffy and hand-caught razor clams rather than for fine dining. The old Clamshell Railroad station has a lot of tables, with chef as well as owner Michael Lalewicz cooking up local oysters as well as combining wild razor clams and Willapa Bay clams for a flavorful chowder. Wrapping Up Washington's beaches, with their unparalleled beauty and ecological significance, stand as a testament to the delicate balance between human joy and environmental responsibility. So, whether you're drawn to the windswept shores of the Pacific or the calm bays of the Salish Sea, Washington's beaches invite all to connect with nature and savor the timeless allure of the coastal landscape.    The unmatched beauty, as well as the ecological significance of Washington's beaches, serve as a testament to the fine line that must be drawn between environmental responsibility and human enjoyment. Therefore, beaches in Washington invite everyone to connect with nature and enjoy the timeless allure of the coastal landscape, whether they are drawn to the windswept shores of the Pacific or the serene bays of the Salish Sea. Read Also: Washington State Bucket List: 6 Amazing Attractions You Can’t Miss Family Fun In The Gulf Of Mexico: Beaches, Boating, And More The Best Beaches In Puerto Rico Ranked!

READ MORE dark tourism in India

Dark Tourism in India Exploring Shadows and Must-Visit Sites

BY  Sibashree Sep 30, 2024

India is leading the dark tourism scenario With an expected CAGR of 5.1% (2024-2034),. Dark tourism in India thrives as it is the land of history and heritage. Also, travel a few miles, and you will get to know folklore or common myths related to paranormal activities.  So, dark tourism in India takes you to places associated with human tragedy or something that raises our curiosity. Endless warfare and the rule of various dynasties have drenched its soil in blood from time immemorial. Further, superstitions and oppressive customs in various parts of the country have caused human casualties that can give you a chill down your spine.  However, dark tourism in India or any part of the world is not just about people’s fascination with the macabre or its inclination to encounter the grey zone. Many dark tourism sites like the Cellular Jail in the Andaman and Nicobar Islands or Jallianwala Bagh tell the tales of a collective past.  So, these are often popular destinations for educational tourism or excursions. With endless stories and mysteries spread in every corner, India will spoil you with the choices of dark tourism spots. Here is a list of places you just can’t miss! Dark Tourism In India: These Are The Places You Need To Visit  For me, dark tourism in India is like communicating with the past. These places and the remnants there convey a message that can trigger our moral emotions such as empathy, gratitude, disgust, or sadness. Further, these moral emotions can change our perspective about ourselves, various communities, and society.  Moreover, curiosity is present in people’s love for the occult. Some categories of dark tourism, such as ghost tourism, thana tourism, and disaster tourism, especially urge many to get into the shadows. We absolutely agree with Karan Anand, the Head of Relationships at Cox & Kings. So, which places does dark tourism in India take us to? Here is a curated list! 1. Port Blair Cellular Jail | Kala Pani | The Prison Of Death Location: Andaman and Nicobar Islands  One of the most prominent witnesses of British atrocities in the country, the Port Blair Cellular Jail tops almost all the lists of dark tourism in India.  The British government made a hell of concrete in 1906 in the form of a prison, and it was almost impossible to escape or come out of it.  Vinayak Damodar Savarkar, a freedom fighter in India, was the only person who had escaped the Port Blair Cellular Jail.  The British Raj sent convicts with the highest punishment to this jail. Once, this jail housed as many as 80000 prisoners, and among them, at least a few hundred were the freedom fighters. The freedom fighters received the “Kalapani ki Saza” to lead a life of isolation.  Constructed in the shape of a starfish, the Port Blair Cellular Jail is witness to inhuman tortures and genocides. Along with the atrocities of the British Raj, it has also seen the genocides operated by the Japanese.  When at the Cellular Jail, don’t forget to attend the “Light & Sound” show in the evening. It is like time travel, giving you goosebumps.  2. Jallianwala Bagh Location: Amritsar City, Punjab The 13th of April 1919 saw one of the worst examples of British acts of barbarity in India. Innocent people had gathered at Jallianwala Bagh in Amritsar City to peacefully protest against British rule. Jalianwala Bagh was blocked from all sides, and Brigadier-General Dyer ordered his men to open fire at these innocent and unarmed people. The 1650 rounds of firing continued for 10-15 minutes, taking the lives of more than 500 people.  Today, when you visit Jallianwala Bagh, you can see many bullet holes struck in the structures there. In 1951, a memorial was built here to pay respect to the Indian revolutionaries. Further, in 2019, the inauguration of the Yaad-e-Jallian Museum took place. The museum depicts the most authentic account of the massacre.  A century later, in 2019, an official acknowledgment of “regret” came from British Prime Minister Theresa May on the Jalianwala Bagh massacre. This substantiates how grave and gruesome the act of mass killing was.  3. Roopkund Lake  Location: Uttarakhand Located at a 5000-meter altitude, Roopkund Lake is one of the most popular trekking destinations in Uttarakhand, India.  However, you can see hundreds of human skeletons near the lake, named  the “Lake of Skull.”  Researchers have found that around 200 pilgrims died of heavy snowfall in the place in the 9th century. So, there are so many skeletons around the lake. Roopkund Lake is also known as the “Mystery Lake,” and there are stories about the pilgrims getting turned into stones or the Goddess getting angry.  However, Veena Mushrif-Tripathy, a member of the 2004 investigation and a professor of archaeology at Deccan College in Pune, mentioned that the theory of the pilgrims was reasonable as there were no traces of weapons.  4. Shaniwar Wada Location: Pune, Maharashtra Shaniwar Wada, built in 1732 by Bajirao I, is a historically significant fort and stands out for its architectural excellence. This fort was once the seat of the Maratha Peshwas. This fort became a tourist attraction after the 2015 magnum opus of Sanjay Leela Bhansali, Bajirao Mastani. However, Shaniwar Wada is a favorite dark tourism in India destination because of a popular ghost story or folklore associated with it. Narayanrao, the son of Bajirao I, was killed by his uncle Raghunathrao in 1773 in this fort. Since then, people have experienced paranormal activities in the fort. Many have claimed to have encountered the dead prince.  5. Kuldhara  Location: Jaisalmer, Rajasthan How about visiting a village abandoned by its people around 200 years ago? Kuldhara, the cursed village of Jaisalmer, was the residence of the Paliwal Brahmins. They left the village because of water scarcity and the high taxes imposed by Diwan. Another story is about Salim Singh, the local prime minister, who wanted to marry the daughter of the village head. The villagers did not agree to his demands and vacated the place overnight. They also cursed the place, saying that no one could settle there.  Further, some even associate the overnight evacuation with paranormal activities. Whatever the reason, many people have tried but failed to spend a night in this village. Today, abandoned houses, temples, and other architecture speak of excellence, craftsmanship, and intrigue. It is also a favorite destination for movie-makers and photographers today. Films like “Agent Vinod” are shot here. Moreover, the village is now a “Protected Monument of the State Archaelogy Department.”  6. Dumas Beach Location: Surat, Gujarat Dumas Beach is one of the most haunted places in Gujarat. With its black sand and paranormal activities, this beach transforms into a hellish spot as the Moon shows up.  The beach was earlier a cremation ground. The black color of the sand comes from the ashes of those corpses. While we could not see the moving orbs or any prominent paranormal activity, I felt eerie at the beach. Also, I can’t explain, but there is something very depressing about this beach. It feels like you can hear the whispers of the lost here, and someone will suddenly appear in the shadows.  There have been reports of many tourists going missing from Dumas Beach. Also, one day, local people discovered the corpse of a man at the beach. His tongue was popping out. To date, no explanation has been found behind these tragic incidents.  7. Bhangarh Fort In the Aravallis, the Bhangarh fort has the remains of a deserted marketplace, Havelis, and temples. The architectural excellence of the fort is beyond question, and it speaks of a prosperous past.  However, Bhangarh Fort is the most haunted place in India. It has stories and myths enough to scare you to bits.  Bhangarh Fort Story: 1 The Archaeological Survey of India has banned entering or staying in the Bhangarh Fort after the Sunset. According to the local people, no one entering the fort at night has been able to come out alive. The fort becomes a site of paranormal activities in the darkness.  Bhangarh Fort Story: 2 Guru Balu Nath used to meditate at this place. When Raja Madho Singh visited him with a request to build a fort here, he agreed on one condition. He asked the king to promise that the shadow of the fort would not touch him. Despite the king’s promise, it did not happen. Furious, the hermit cursed the castle and the village.  Bhangarh Fort Story: 3 No house in the area has a roof. People believe that the roofs of those houses were destroyed due to the curse of the hermit. All attempts to rebuild the roofs went in vain. Many of those roofs also collapsed, causing human casualties.  Bhangarh Fort Story: 4 (Accidents And Deaths) Three people once decided to stay in Bhangarh Fort at night. They had a powerful torch, but one group member fell into a well. The two others rescued him and took him to the nearby hospital. However, they met with a fatal accident on the way to the hospital and lost their lives.  Do you want to explore more sites that are suitable for dark tourism in India? Visit the Taj Palace Hotel in Mumbai, Union Carbide Factory, Bhopal, Sites Of Indus Valley Civilization, Savoy Hotel, Mussoorie, and Gandhi Smriti, Delhi.  Listen to hushed murmurs and the stories these places have to share to make a journey to the past!  Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13 Famous Wonders Of India That You Must Visit! [Updated 2024]